Gateway Metro Credit Union Info and Reviews

Gateway Metro Credit Union is the Missouri CU that we’ll be focusing on here. This article will cover info like their products, rates, membership eligibility and a lot more.

At the end of this article, you can add in your own personal review of this credit union if you have experience with them.

If you work there and want to be notified when reviews come in, please email info@thiscollegelife.com and request to be on the email list. Please say the specific name of your credit union in the subject line.

Advertiser Disclosure: We receive compensation if you sign up for financial products or services mentioned in this article in the blue buttons. For more info on that, click here.

Check Your Personal Loan Rate with SoFi

*Routing #: 281082339

*Phone #: (800) 621-4828

*Locations:

Shiloh

848 N Green Mt Rd.
Shiloh, IL 62221

St. Peters Gateway Metro Credit Union

1421 Jungermann Road
St. Peters, MO, 63376

Twin Oaks

840 Meramec Station Road
Twin Oaks, MO 63088

Affton

35 Grasso Plaza
Affton, MO 63123

Downtown St. Louis

1001 Pine Street
St. Louis MO 63101

Downtown St. Louis Admin Building

1001 Pine Street
St. Louis, MO 63101

North County

2129 Charbonier Road
Florissant, MO 63031

South County Gateway Metro Credit Union

4566 Lemay Ferry Road
St. Louis, MO 63129

Florissant
(ATM LOCATION ONLY)

63 Florissant Oaks
Florissant, MO 63031

Imperial
(ATM LOCATION ONLY)

1282 Main Street
Imperial, MO 63052

A Little History on Gateway Metro Credit Union

This Missouri CU was started in a similar way to many of the others out there. It was originally chartered in 1935 by a group of Southwestern Bell employees. Since then, it has grown significantly and had some name changes, too.

Today, they have assets of just over $200 million and you can access your cash from there at over 30,000 ATMs because they are part of the CO-OP network.

Do they give back at all?

Gateway Metro Credit Union does give back. One of their efforts is something they call the Butterfly Project. Basically, the idea behind it is that even something as small as a butterfly has the power to do big things. They support one or multiple charities at a time with this project.

Member Eligibility at Gateway Metro Credit Union

If you want to become a member at this credit union, you’ll need to meet some requirements first. People who live, work, worship or attend school in the City of St. Louis, St. Louis, St. Charles, and Jefferson Counties in Missouri are eligible.

If you are in the counties of Madison, Monroe, and St. Clair of Illinois, then you’re in. Family can get you into Gateway Metro Credit Union, too. There are also a few other ways to get in that are worth reviewing, you can do that on their website here.

Businesses located in those areas are also eligible.

Their Products

Gateway Metro Credit Union offers a lot of different financial products. You can find both personal and business offerings there.

They have a handful of checking and savings products for all ages. There’s more here than at the typical small to mid-size credit union in Missouri. Gateway Metro Credit Union also has interesting incentives for people to save more – like their “Save to Win” certificates that enter people into drawings for money the more that they save.

There are IRA and HSA products as well as a lot of types of loans. Those include new/used vehicle loans, new & used recreation loans, student loans, real estate loans, and others.

Some of the more unique lending products include collateral-based loans, collateral-free loans, and signature/personal loans.

Rates at Gateway Metro Credit Union

EFFECTIVE DECEMBER 30, 2021

LOAN TYPE / MODEL YEARTERMAPR AS LOW AS1
NEW & USED VEHICLE LOANS
Up to 36 months1.99%
37 to 48 months2.20%
49 to 63 months2.50%
64 to 72 months3.00%
73 to 84 months4.75%
NEW & USED BOAT/WATERCRAFT LOANS6.25%
NEW & USED RV/TRAILER LOANS6.45%
NEW & USED MOTORCYCLE LOANS4.50%
SAVINGS-SECURED LOAN36 months2.049%
STOCK-SECURED LOAN36 months9.25%
LINE OF CREDIT48 months12.90%
SIGNATURE/PERSONAL LOANup to 60 months7.99%
1APR=Annual Percentage Rate. Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

EFFECTIVE DECEMBER 30, 2021 at Gateway Metro Credit Union

TYPE OF ACCOUNTANNUAL PERCENTAGE YIELD1BALANCE REQUIREMENT
SAVINGS
$5 to $1000.00%$5
$101 & Higher0.01%$101
HOLIDAY CLUB0.01%None
HEALTH SAVINGS ACCOUNTS
Checking at Gateway Metro Credit Union0.01%N/A
1 Year Certificate0.20%$500
2 Year Certificate0.35%$500
3 Year Certificate0.45%$500
IRA CONTRIBUTORY0.01%$25
CHECKING
Priority I0.00%None
Priority II0.025%$500
Priority III0.05%$1,500
Rewards 3651.65%
MONEY MARKET
$1,000 to $24,9990.05%$1,000
$25,000 to $99,9990.05%$25,000
$100,000 to $149,9990.10%$100,000
$150,000 & Higher0.15%$150,000
SHARE CERTIFICATE at Gateway Metro Credit Union
3 Month0.057%$100 (Youth) or $500 (Regular/IRA)
6 Month0.15%$100 (Youth) or $500 (Regular/IRA)
1 Year0.20%$100 (Youth) or $500 (Regular/Health Savings/IRA)
18 Month0.30%$100 (Youth) or $500 (Regular/IRA)
2 Year0.35%$100 (Youth) or $500 (Regular/Health Savings/IRA)
3 Year0.45%$100 (Youth) or $500 (Regular/Health Savings/IRA)
4 Year0.55%$100 (Youth) or $500 (Regular/IRA)
5 Year0.70%$100 (Youth) or $500 (Regular/IRA)
6 Year0.80%$100 (Youth) or $500 (Regular/IRA)
10% Youth10.00%$100 minimum, $1000 maximum
Save To Win0.20%$25
1APY=Annual Percentage Yield at Gateway Metro Credit Union. Rates are subject to change, and terms and conditions apply. Contact GMFCU for complete details.

Gateway Metro Credit Union – Final Thoughts

GMCU is a great looking mid-size credit union. They have a larger variety of products than your typical credit union, so, you’ll be able to find something that fits your your needs. Whether you are looking for personal or business products, there should be something here that works. The folks at this Missouri CU also manage to give back to their community, which is also great to see. Do you have a review on them that you want to add? Submit it below! We just need your email address in case they ask us for it to reach out to you to resolve any potential issues.

There are no reviews yet. Be the first one to write one.

*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.

*This site is not affiliated with the Credit Union mentioned in this article.